Protective Life Insurance Company Review (formerly West Coast Life)

by Chris Huntley

West Coast Life Insurance Company ReviewMy West Coast Life Insurance Co. Review

I’m an independent agent, and therefore licensed with several life insurance companies, which I feel helps me to prepare an adequate West Coast Life Insurance Company review, since I can compare their products and underwriting to the other carriers I represent.

I’ve been contracted with WCL for over 5 years now, and overall, I’m very happy with their pricing and, in my opinion, very lenient underwriting.

Through this article, you’ll see I prefer a no B.S. approach to my life insurance company reviews, simply telling you the pros and cons, without all the fluff.  But before I tell you more about my personal experience with them, let’s have a look at the company in general.

About West Coast Life: Ratings and History

West Coast Life originated in the city of San Francisco in California as ‘The Spirit of the West’ in 1906. In 1997, WCL merged with another strong company, Protective Life to become part of the Protective Life Group.  West Coast Life Insurance Company has total assets of $2.5 billion, with net life insurance of $172 billion, in 2009.  Since then, the WCL and Protective product offerings and underwriting have been identical, but have kept their names separate.  It is rumored that soon West Coast Life will be doing business as Protective, and drop its name entirely.

Rating Information
AM Best Standard & Poors Moodys Fitch
A+ AA- A1 A-

West Coast Life’s Products

One of the things I didn’t want to leave out of my West Coast Life Insurance Company review was that WCL is still using a straight term product called their Secure T term product line.  It is available from 10 year to 30 year term lengths in 5 year increments, and is sold in most states.  Many companies are transitioning to term/UL hybrid products, which are fine, but some individuals find them confusing.  I prefer to sell a simple term policy to someone who just needs term.

They also have universal life products under their LifeTime Platinum III line designed to provide coverage all the way up to age 120 if needed.  Finally, their LifeTime Advantage Plus UL is similar to the UL just mentioned, but offers the potential for cash value accumulation.  It helps solve a variety of personal and business financial planning needs, since it has flexible coverage options.

“Lenient” Underwriting

Time and time again, I have found WCL’s underwriters to be fair to my clients.  They routinely hold up their trial offers, when a quick quote has been given to me prior to application, and they seem to be most favorable on some of my tough heart cases, like individuals who have pacemakers or have had bypass surgery or a heart attack.  But the one place I really have to give props in my West Coast Life Insurance review is to their liberal build charts.  Where an overweight or obese individual may be a substandard risk at many other companies, they may get a “standard” rate at WCL!

West Coast Life Insurance Quotes

We offer quotes from many insurance companies if you use the instant life insurance quote form on the right.  After having read my West Coast Life Insurance Company review, I hope you’ll look for them in the results and request an application, especially if you want a simple-to-understand term life insurance policy.  You can also call us for quotes at 877-443-9467.

*Written by Chris Huntley. Huntley Wealth Insurance and its representatives do not give legal or tax advice. Please consult your own legal or tax adviser.
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Chris Huntley
Chris Huntley is the owner of Huntley Wealth Insurance, a San Diego life insurance agency. You can find him on Google + and Facebook. Over the past 8 years, Chris has consulted with over 2000 individuals about their insurance needs. He is a proud husband and father to three adorable girls.
Chris Huntley
Chris Huntley

{ 2 comments… read them below or add one }

Ann cannon December 13, 2012 at 5:35 pm

How. Can. West Coast life terminate a whole lifeolicies that I have had for 30 years and never missed a premium?


Chris Huntley December 20, 2012 at 4:41 pm

Yeah, that doesn’t sound right if it was really a whole life policy.


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